Facing financial hardship? We are Professional Home Saving Consultants dedicated to protecting your future and your credit.
As licensed real estate agents, Chala Bickham and Neisha James combine expert guidance with zero judgment. We understand that financial challenges happen, and our mission is to provide a fast, confidential, and stress-free process to keep you in your home or transition you to a better situation.
We specialize in navigating the complex options available to homeowners in distress. Whether you want to stay or move on your own terms, we provide the following:
1. Financial Maneuvers: We explore Forbearance and Postponement options to buy you time.
2. Payment Reduction: We facilitate Loan Modifications and Low Modification strategies to make your monthly costs manageable.
3. Restructuring: We Refinance your existing debt or Offer Loans to bridge the gap during tough times.
4. Credit Protection: Our priority is to Protect Your Credit & Future by avoiding the permanent "black mark" of a foreclosure.


If staying isn't the right path, we provide exit strategies that put cash in your pocket and dignity back in your move:
1. Hardship & Relocation Funds: Qualify for up to $1000 in Hardship Funds or dedicated Relocation Funds to help you move.
2. Cash for Keys: We negotiate Cash for Keys agreements to ensure you don't leave empty-handed.
3. We Can Buy: For those needing out immediately, we provide Cash Ready Offers for a direct sale.
4. We Can Sell: As Licensed Real Estate Agents, we provide professional selling services to get you the highest market value possible.